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中銀香港(02388.HK):撥備增因商業地產市場受壓
阿思達克 09-01 09:42
中銀香港(02388.HK)上周五(29日)公布上半年業績,期內貸款及其他帳項減值準備淨撥備32.6億元,按年增加近58%。截至6月底,減值貸款比率1.02%,較去年底跌0.03個百分點。 管理層透露,公司客戶房地產相關貸款合計3,297億元,比去年底跌1.9%,佔整體貸款19.3%。當中,內房企業貸款總規模比去年底跌8.9%至776億元,不良貸款比率7.32%,較去年底升5基點,不良貸款撥備覆蓋率62.4%。 中銀香港副總裁兼風險總監徐海峰日前出席業績會議時稱,撥備增長主要由於商業房地產(CRE)市場仍受壓,期內個別房地產客戶內部評級下調,加上集團對貸款組合採取審慎的加壓撥備方式,以及個別存量不良戶情況轉差或債務重組而增提撥備。 他指出,目前本港房地產市場的整體的資產品質是相對可控。今年以來香港住宅市場已呈現回穩跡象,至於寫字樓和商業零售舖位市場方面,因應消費模式結構性變化等因素仍有待復甦。
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